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healthcare act kicks in 2013. a lot of business customers are coming to tus and they need solutions. i think you are going to see businesses start to manage their employee head count going from full-time employees to part-time employees. actually some businesses thinking of taking head count and creating two companies to get under 50 employee limit. >> clayton: splitting up the companies so not to hit those. more credit is going to be available? >> pretty tight. credit is still tight. regulatory environment is still difficult. banks have got poor loan quality on overall basis of the businesses are looking at. business development corpse. there is microlending opportunities and crowd funding opportunities which is new basically angel investors with the fec has reduced some of their limitations for businesses to get funding. >> juliet: this seems like no brainer ecommerce is the way it is. cyber monday shows that. >> it's growing but still frankly at low levels. probably online sales are only about 7% of total sales. they estimate mobile commerce could be about a trillion in revenues in 2016,
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